Got a phone call before the holidays from NCW Billing stating that my wife had unpaid loans, and that she was facing criminal charges for bank and check fraud. She thought that she had all of her loans paid off but didn’t know for sure if something was still outstanding. They said if we didn’t settle with a payment that we would have to go to court and she was facing criminal charges. So naturally we paid the fee. They said they would send us in the mail proof that this was off of her record and taken care of it is January 6th 2019 and we still haven’t gotten anything in the mail from them. I am afraid this was all a scam and am now wondering if it indeed was if there is any way we can get our money back. That is really messed up thing to do right before the holidays. $1,639.85. There went our Christmas.